Access to cash coverage in the UK 2021 Q4

Data Published: 16/06/2022 Last updated: 23/07/2024

This is an overview of geographical cash access coverage in the UK at the end of the fourth quarter (October to December) of 2021.

 

1. Introduction

On a quarterly basis, with the Payment Systems Regulator (PSR), we gather and update data on access to cash. This captures the locations of cash access points and other relevant information like temporary closures, opening hours, and accessibility. This data covers brick-and-mortar, mobile bank, and building society branches, automated teller machines (ATMs), and the Post Office network. We supplement this information with annual data on cashback locations.

This analysis provides insights on the proportion of the population that lives within a range of distances of various cash access points. We measure distances as the crow flies (see note 1), consistent with the approaches adopted by LINK and the Post Office.

We estimate that for access to any bank, building society, Post Office branch, or any ATM (either free or pay-to-use):

  • 95.7% of the UK population are currently within 2km of a cash access point
  • 99.7% of the UK population are currently within 5km of a cash access point

For free-to-use access points only:

  • 95.5% of the UK population are currently within 2km of a cash access point
  • 99.7% of the UK population are currently within 5km of a cash access point

For the UK, estimates of coverage at 2km and 5km for all access points, including free-to use access points only, have not changed since 2021 Q2. This applies to the UK population overall, as well as rural and urban populations separately. It also applies whether we include or exclude cashback. However, there has been changes in the type of access points available over this time. Between 2021 Q3 and 2021 Q4:

  • The number of brick-and-mortar branches of the larger banks and building societies providing personal current accounts (PCA) continued to fall, as 82 (1.5%) ceased to provide services. This brings the total reduction in these branches to 573 since 2021 Q1, a reduction of 9.8%.
  • The share of the UK population living within 2km of a large PCA provider brick-and-mortar branch fell by 0.3 percentage points from 59.6% to 59.3%. The share living within 5km fell by 0.2 percentage points, from 87.4% to 87.2%. Coverage of such branches has consistently declined since 2021 Q1 when it was 61.8% at 2km and 88% at 5km.
  • There was a small decrease in the availability of Post Office branches (1%) and number of free-to-use ATMs (<1%) between Q3 and Q4, although this had negligible impacts on overall cash access coverage.

Our analysis of other access characteristics finds that:

  • Temporary closures in 2021 Q4 were much more common than in 2021 Q3 for both Type A (brick-and-mortar branches of a larger PCA provider) and Type B (brick-and-mortar bank and building society branches offering limited deposit and withdrawal services). For branches that had temporary closures of 1 day or more, the typical (median) length of closure remained the same for Type A branches (2 days) but fell for Type B branches (1 day).
  • In 2021 Q4 average opening hours for branches (bank and building society brick-and-mortar) remained broadly unchanged at around 35 hours a week. However, around 91.5% of these branches were operating on reduced opening hours compared to February 2020 (up from 86% in Q3).
  • Of brick-and-mortar bank and building society branches, 63.2% of larger PCA providers and 51.3% of other branches reported that they are wheelchair accessible, have step-free access and have a hearing/induction loop, a 1 percentage point increase for the former and a 3 percentage point decrease for the latter when compared to 2021 Q3. 86.8% of Post Office branches (excluding mobile and outreach branches) have both wheelchair access and a hearing/induction loop, an increase of 8 percentage points from 2021 Q3.

2. Coverage

The data comprises 71,727 known UK cash access points and 429,482 cashback locations. Table 1 shows numbers by region for 8 types of access points (see notes 2, 3, and 4):

  • Types A and B are brick-and-mortar bank and building society branches provided by (A) larger PCA providers and (B) all other banks and building societies, respectively.
    Type B branches may offer more limited deposit and withdrawal services compared to Type A branches, for example, a building society that specialises in mortgages or savings accounts.
  • Mobile bank branches (measured by stops) are a separate type (D).
  • Post Office branches are subdivided into mobile / outreach branches (type E) and all other Post Office branches (type C). The outreach branches are brick-and-mortar but are more similar to mobile branches being typically open for a small number of hours or on selected days of the week. For example, these include limited time to serve access points in community buildings in rural locations. For this reason, we group the mobile and outreach branches together.
  • ATMs are subdivided into free-to-use (type F) and pay-to-use (type G).
  • Cashback locations (type H) are all the unique locations where a cashback transaction is known to have taken place in 2020.

Table 1: Number of cash access points by type and geographical area

Country/ region England Northern Ireland Scotland Wales UK Total
Type Description East Midlands East of England London North East North West South East South West West Midlands Yorkshire and The Humber
A Larger banks and building societies providing PCA (brick-and-mortar branches) 330 494 731 200 531 760 470 435 371 172 511 288 5293
B All other banks and building societies (brick-and-mortar branches)  98 67 53 49 94 69 76 127 99 33 36 105 906
C Post Office branches excluding mobile/ outreach  721 958 673 398 960 1223 982 799 799 458 1043 706 9720
D Mobile bank branches  23 22   5 27 58 95 10 10 13 419 95 777
E Mobile/ outreach Post Office branches 154 187   96 140 152 266 111 144 39 273 256 1818
F Free-to-use ATMs  2881 3375 5534 1798 4526 5096 3136 3512 3488 1447 4047 1920 40760
G Pay-to-use ATMs  744 949 1928 626 1630 1279 789 1396 926 371 1139 676 12453
H Cashback locations 29745 40758 56448 15505 46835 60967 42088 35174 34260 10727 36694 20281 429482
All sources excluding cashback 4951 6052 8919 3172 7908 8637 5814 6390 5837 2533 7468 4046 71727
All sources including cashback 34696 46810 65367 18677 54743 69604 47902 41564 40097 13260 44162 24327 501209

 

Download Table 1 (XLSX) 

We have analysed coverage for 14 groups of cash access points which we define in Table 2. The groups are constructed by combining the cash access point types and cashback locations:

  • group 1 includes type A (larger banks and building societies providing PCA) access points only
  • group 2 adds the non-mobile/outreach Post Office network
  • group 3 includes all brick-and-mortar (except type B) and mobile/outreach bank, building society, and Post Office branches, representing all known locations where customers can access banking services beyond cash withdrawals or deposits
  • groups 4 and 5 include the same cash access point types as Group 3, as well as all free-to-use ATMs and all ATMs respectively
  • group 6 includes type B branches and contains all free-to-use access points.
  • group 7 includes all 71,727 known cash access points
  • groups 8 and 9 focus on access to ATMs, for free-to-use and all ATMs respectively
  • groups 10, 11, and 12 combine free-to-use access points, all access points and all ATMs respectively with cashback locations
  • groups 13 and 14 focus on access to the Post Office network distinguishing between non-mobile/outreach branches and all branches

Due to substitutability, as outlined above, type B branches are only included in groups 6, 7, 10, and 11.

Table 2: Groupings of cash access points

Group  Description  Cash access point types included  Number of entries 
A  B  C  D  E  F  G  H
1  Larger banks and building societies providing PCA: brick-and-mortar branches  x                5293
2  Larger banks and building societies providing PCA and Post Office: brick-and-mortar branches x    x            15013
3  Larger banks and building societies providing PCA, and Post Office: all branches, including mobile x    x  x  x        17608
4  Post Office, larger banks and building societies providing PCA (all branches), and free-to-use ATMs x    x  x  x  x      58368
5  Post Office, larger banks and building societies providing PCA (all branches), and all ATMs x    x  x  x  x  x    70821
6  All free-to-use cash access points (excluding cashback) x  x  x  x  x  x      59274
7  All cash access points (excluding cashback) x  x  x  x  x  x  x    71727
8  Free-to-use ATMs           x      40760
9  All ATMs           x  x    53213
10 All free-to-use cash access points and cashback locations x  x  x  x  x  x    x 488756
11 All cash access points and cashback locations x  x  x  x  x  x  x  x 501209
12 All ATMs and cashback locations           x  x  x 482695
13 Post Office branches excluding outreach and mobile     x            9720
14 All Post Office branches     x    x        11538

Estimated percentages of the UK population living within a given distance from a cash access point are shown in Table 3 (see notes 5, 6, and 7). The estimates are given for the UK regions separately, as well as for England and the UK overall. Estimates for rural and urban areas are also given (see note 8).

The distances considered are 1, 2, 5, 8, and 16 km (approximately 0.6, 1.2, 3, 5, and 10 miles, respectively).

Table 3: Percentages of the UK population that have access to a source of cash within a given distance as of 2021 Q4 (Groups 1-14)

Group 1 Group 2 Group 3 Group 4 Group 5 Group 6 Group 7 Group 8 Group 9 Group 10 Group 11 Group 12 Group 13 Group 14

Larger banks and building societies providing PCA: brick-and-mortar branches - 2021 Q4

Geographic area Rural / Urban Population, 000's Distance, km Distance 2km Distance 5km Distance 8km Distance 16km
East Midlands Rural 1297.2 4.4 8.4 36.1 71.9 98.9
East Midlands Urban 3568.4 31.4 68.7 96.8 99.5 99.7
East Midlands Overall 4865.6 24.2 52.6 80.6 92.1 99.4
East of England Rural 1814.7 5.8 10.4 41.6 75.3 99.9
East of England Urban 4454.5 29.7 66.4 97.6 99.4 100
East of England Overall 6269.2 22.8 50.2 81.4 92.4 100
London Rural 16.6 0.8 17.5 98.8 100 100
London Urban 8985.9 51 89.1 100 100 100
London Overall 9002.5 50.9 88.9 100 100 100
North East Rural 495.3 7.2 12.6 64.4 87.9 98.2
North East Urban 2185.5 26.9 63 99.4 100 100
North East Overall 2680.8 23.3 53.7 92.9 97.8 99.7
North West Rural 773.5 9.6 17.6 58.8 84.4 99.4
North West Urban 6594 27.8 66.9 97.8 99.9 100
North West Overall 7367.5 25.9 61.7 93.7 98.3 99.9
South East Rural 1892.1 5 9.7 49.4 83.8 100
South East Urban 7325.1 29.6 64.8 97.1 99.5 100
South East Overall 9217.3 24.5 53.5 87.3 96.3 100
South West Rural 1805.3 8.2 13.9 42.5 72.8 99.1
South West Urban 3853.8 35.9 71.6 96.3 99.6 100
South West Overall 5659.1 27.1 53.2 79.1 91.1 99.7
West Midlands Rural 910.3 5.8 9.4 43.2 79.6 99.3
West Midlands Urban 5051.6 31 72.9 98.7 100 100
West Midlands Overall 5961.9 27.1 63.2 90.3 96.9 99.9
Yorkshire and The Humber Rural 957.8 7.1 11.6 45.6 76.6 98.5
Yorkshire and The Humber Urban 4568.6 27.5 61.7 96.5 99.4 100
Yorkshire and The Humber Overall 5526.4 23.9 53 87.7 95.4 99.7
England overall Rural 9962.7 6.4 11.4 45.6 77.9 99.3
England overall Urban 46587.4 33.9 71.3 97.9 99.7 100
England overall Overall 56550.1 29.1 60.7 88.7 95.9 99.9
Northern Ireland Rural 709.3 2.3 5.1 29.6 59 95.6
Northern Ireland Urban 1186.2 35.7 74.8 96.3 99.1 100
Northern Ireland Overall 1895.5 23.2 48.7 71.3 84.1 98.4
Scotland Rural 974.8 4.3 7 32.7 57.1 90.4
Scotland Urban 4491.2 33.8 68.1 93.6 98 100
Scotland Overall 5466 28.5 57.2 82.7 90.7 98.3
Wales Rural 1031.5 6.7 11.3 41.5 69.6 92.5
Wales Urban 2138.1 27.8 59.6 95.6 99.9 100
Wales Overall 3169.6 20.9 43.9 78 90.1 97.5
UK overall Rural 12678.2 6 10.7 43.4 74.6 97.9
UK overall Urban 54403 33.7 70.6 97.4 99.6 100
UK overall Overall 67081.2 28.5 59.3 87.2 94.9 99.6

Larger banks and building societies providing PCA and Post Office: brick-and-mortar branches - 2021 Q4

Geographic area Rural / Urban Population, 000's Distance, km Distance 2km Distance 5km Distance 8km Distance 16km
East Midlands Rural 1297.2 43.2 66.8 94.5 99.5 100
East Midlands Urban 3568.4 80.3 98.4 100 100 100
East Midlands Overall 4865.6 70.4 90 98.5 99.9 100
East of England Rural 1814.7 43 67.2 97.1 99.9 100
East of England Urban 4454.5 80.4 98.4 100 100 100
East of England Overall 6269.2 69.6 89.3 99.2 100 100
London Rural 16.6 44.8 79.4 100 100 100
London Urban 8985.9 94.1 99.9 100 100 100
London Overall 9002.5 94 99.9 100 100 100
North East Rural 495.3 54.5 76.2 95 99 100
North East Urban 2185.5 82.8 99.3 100 100 100
North East Overall 2680.8 77.5 95.1 99.1 99.8 100
North West Rural 773.5 41.4 65.7 95.1 99.3 100
North West Urban 6594 83.8 98.9 100 100 100
North West Overall 7367.5 79.3 95.4 99.5 99.9 100
South East Rural 1892.1 40.8 67.9 98.5 100 100
South East Urban 7325.1 78.1 98 100 100 100
South East Overall 9217.3 70.4 91.8 99.7 100 100
South West Rural 1805.3 39.7 63.1 95.6 99.8 100
South West Urban 3853.8 79.9 98.1 100 100 100
South West Overall 5659.1 67.1 86.9 98.6 99.9 100
West Midlands Rural 910.3 35.4 59.3 95 99.9 100
West Midlands Urban 5051.6 85.8 99.2 100 100 100
West Midlands Overall 5961.9 78.1 93.1 99.2 100 100
Yorkshire and The Humber Rural 957.8 45 66.9 93.8 98.9 100
Yorkshire and The Humber Urban 4568.6 82.1 98.6 100 100 100
Yorkshire and The Humber Overall 5526.4 75.7 93.1 98.9 99.8 100
England overall Rural 9962.7 42 66.1 96 99.7 100
England overall Urban 46587.4 84 98.8 100 100 100
England overall Overall 56550.1 76.6 93.1 99.3 99.9 100
Northern Ireland Rural 709.3 24.4 49 92.7 99.5 100
Northern Ireland Urban 1186.2 79.3 97.3 100 100 100
Northern Ireland Overall 1895.5 58.7 79.2 97.3 99.8 100
Scotland Rural 974.8 34 46.3 78.4 94.1 99.7
Scotland Urban 4491.2 79.9 97.3 99.8 100 100
Scotland Overall 5466 71.7 88.2 96 98.9 99.9
Wales Rural 1031.5 43.8 66.2 93 98.7 100
Wales Urban 2138.1 80.2 98.1 100 100 100
Wales Overall 3169.6 68.3 87.7 97.7 99.6 100
UK overall Rural 12678.2 40.5 63.7 94.2 99.1 100
UK overall Urban 54403 83.4 98.6 100 100 100
UK overall Overall 67081.2 75.3 92 98.9 99.8 100

Larger banks and building societies providing PCA and Post Office: all branches, including mobile - 2021 Q4

Geographic area Rural / Urban Population, 000's Distance, km Distance 2km Distance 5km Distance 8km Distance 16km
East Midlands Rural 1297.2 48.9 75 99 100 100
East Midlands Urban 3568.4 80.6 98.6 100 100 100
East Midlands Overall 4865.6 72.2 92.3 99.7 100 100
East of England Rural 1814.7 48.8 76 99.2 100 100
East of England Urban 4454.5 80.8 98.5 100 100 100
East of England Overall 6269.2 71.5 92 99.8 100 100
London Rural 16.6 44.8 79.4 100 100 100
London Urban 8985.9 94.1 99.9 100 100 100
London Overall 9002.5 94 99.9 100 100 100
North East Rural 495.3 64.3 86.2 98.6 99.7 100
North East Urban 2185.5 83.9 99.5 100 100 100
North East Overall 2680.8 80.3 97 99.7 99.9 100
North West Rural 773.5 47.8 75.9 98.6 99.8 100
North West Urban 6594 84.3 99.2 100 100 100
North West Overall 7367.5 80.4 96.7 99.8 100 100
South East Rural 1892.1 46.4 75.4 99.6 100 100
South East Urban 7325.1 78.9 98.4 100 100 100
South East Overall 9217.3 72.2 93.7 99.9 100 100
South West Rural 1805.3 46.6 73.5 98.9 100 100
South West Urban 3853.8 81.1 98.4 100 100 100
South West Overall 5659.1 70.1 90.5 99.7 100 100
West Midlands Rural 910.3 42.5 69.5 98.5 100 100
West Midlands Urban 5051.6 86 99.3 100 100 100
West Midlands Overall 5961.9 79.3 94.8 99.8 100 100
Yorkshire and The Humber Rural 957.8 51.2 75.5 97.9 99.7 100
Yorkshire and The Humber Urban 4568.6 82.9 98.9 100 100 100
Yorkshire and The Humber Overall 5526.4 77.4 94.9 99.6 99.9 100
England overall Rural 9962.7 48.3 75.1 98.9 99.9 100
England overall Urban 46587.4 84.5 99 100 100 100
England overall Overall 56550.1 78.1 94.8 99.8 100 100
Northern Ireland Rural 709.3 25.9 52.5 95.1 99.8 100
Northern Ireland Urban 1186.2 79.3 97.3 100 100 100
Northern Ireland Overall 1895.5 59.3 80.6 98.2 99.9 100
Scotland Rural 974.8 46.9 62 90.9 97.9 99.8
Scotland Urban 4491.2 81.8 98.3 100 100 100
Scotland Overall 5466 75.6 91.8 98.4 99.6 100
Wales Rural 1031.5 51.2 76 97.5 99.6 100
Wales Urban 2138.1 83.9 98.8 100 100 100
Wales Overall 3169.6 73.3 91.4 99.2 99.9 100
UK overall Rural 12678.2 47.2 72.9 98 99.7 100
UK overall Urban 54403 84.1 98.9 100 100 100
UK overall Overall 67081.2 77.1 94 99.6 100 100

Post Office, larger banks and building societies providing PCA (all branches), and free-to-use ATMs - 2021 Q4

Geographic area Rural / Urban Population, 000's Distance, km Distance 2km Distance 5km Distance 8km Distance 16km
East Midlands Rural 1297.2 56.2 80.2 99.1 100 100
East Midlands Urban 3568.4 94.5 99.6 100 100 100
East Midlands Overall 4865.6 84.3 94.4 99.8 100 100
East of England Rural 1814.7 54.8 79.8 99.4 100 100
East of England Urban 4454.5 93.7 99.4 100 100 100
East of England Overall 6269.2 82.4 93.8 99.8 100 100
London Rural 16.6 53.9 86.7 100 100 100
London Urban 8985.9 99.2 100 100 100 100
London Overall 9002.5 99.1 100 100 100 100
North East Rural 495.3 70.7 88.4 98.7 99.7 100
North East Urban 2185.5 96.4 99.8 100 100 100
North East Overall 2680.8 91.6 97.7 99.8 99.9 100
North West Rural 773.5 54.2 80.2 98.7 99.8 100
North West Urban 6594 95.7 99.8 100 100 100
North West Overall 7367.5 91.3 97.7 99.9 100 100
South East Rural 1892.1 53.8 81 99.7 100 100
South East Urban 7325.1 93.8 99.6 100 100 100
South East Overall 9217.3 85.6 95.8 99.9 100 100
South West Rural 1805.3 53.6 78.1 99.3 100 100
South West Urban 3853.8 94.6 99.6 100 100 100
South West Overall 5659.1 81.5 92.7 99.8 100 100
West Midlands Rural 910.3 49.9 74.7 98.9 100 100
West Midlands Urban 5051.6 96.3 99.8 100 100 100
West Midlands Overall 5961.9 89.2 96 99.8 100 100
Yorkshire and The Humber Rural 957.8 57.6 79.7 98.4 99.7 100
Yorkshire and The Humber Urban 4568.6 95 99.7 100 100 100
Yorkshire and The Humber Overall 5526.4 88.5 96.2 99.7 100 100
England overall Rural 9962.7 55.1 79.8 99.2 99.9 100
England overall Urban 46587.4 95.7 99.7 100 100 100
England overall Overall 56550.1 88.6 96.2 99.9 100 100
Northern Ireland Rural 709.3 29.8 57.6 96.6 99.8 100
Northern Ireland Urban 1186.2 89.9 98.9 100 100 100
Northern Ireland Overall 1895.5 67.5 83.4 98.7 99.9 100
Scotland Rural 974.8 51.1 66.1 91.7 98 99.8
Scotland Urban 4491.2 96.2 99.9 100 100 100
Scotland Overall 5466 88.2 93.9 98.5 99.6 100
Wales Rural 1031.5 55.6 78.4 97.6 99.6 100
Wales Urban 2138.1 92 99.4 100 100 100
Wales Overall 3169.6 80.1 92.6 99.2 99.9 100
UK overall Rural 12678.2 53.4 77.4 98.3 99.8 100
UK overall Urban 54403 95.5 99.7 100 100 100
UK overall Overall 67081.2 87.5 95.5 99.7 100 100

Post Office, larger banks and building societies providing PCA (all branches), and all ATMs - 2021 Q4

Geographic area Rural / Urban Population, 000's Distance, km Distance 2km Distance 5km Distance 8km Distance 16km
East Midlands Rural 1297.2 57.5 80.9 99.2 100 100
East Midlands Urban 3568.4 95.7 99.6 100 100 100
East Midlands Overall 4865.6 85.5 94.6 99.8 100 100
East of England Rural 1814.7 56.2 80.6 99.4 100 100
East of England Urban 4454.5 95 99.6 100 100 100
East of England Overall 6269.2 83.8 94.1 99.8 100 100
London Rural 16.6 58.7 89.3 100 100 100
London Urban 8985.9 99.6 100 100 100 100
London Overall 9002.5 99.5 100 100 100 100
North East Rural 495.3 72.6 88.7 98.7 99.7 100
North East Urban 2185.5 97.7 99.8 100 100 100
North East Overall 2680.8 93.1 97.8 99.8 99.9 100
North West Rural 773.5 56.1 81.1 98.8 99.8 100
North West Urban 6594 97.1 99.8 100 100 100
North West Overall 7367.5 92.8 97.8 99.9 100 100
South East Rural 1892.1 55.9 82.3 99.8 100 100
South East Urban 7325.1 95 99.7 100 100 100
South East Overall 9217.3 86.9 96.1 100 100 100
South West Rural 1805.3 55.2 79.5 99.4 100 100
South West Urban 3853.8 95.6 99.7 100 100 100
South West Overall 5659.1 82.7 93.3 99.8 100 100
West Midlands Rural 910.3 51.4 76.4 98.9 100 100
West Midlands Urban 5051.6 97.5 99.9 100 100 100
West Midlands Overall 5961.9 90.5 96.3 99.8 100 100
Yorkshire and The Humber Rural 957.8 58.7 80.5 98.4 99.7 100
Yorkshire and The Humber Urban 4568.6 96.5 99.8 100 100 100
Yorkshire and The Humber Overall 5526.4 89.9 96.4 99.7 100 100
England overall Rural 9962.7 56.7 80.8 99.2 99.9 100
England overall Urban 46587.4 96.8 99.8 100 100 100
England overall Overall 56550.1 89.8 96.4 99.9 100 100
Northern Ireland Rural 709.3 30.4 58.3 96.6 99.8 100
Northern Ireland Urban 1186.2 91.3 99 100 100 100
Northern Ireland Overall 1895.5 68.5 83.7 98.7 99.9 100
Scotland Rural 974.8 52.1 66.7 91.8 98 99.8
Scotland Urban 4491.2 97.4 99.9 100 100 100
Scotland Overall 5466 89.4 94 98.5 99.7 100
Wales Rural 1031.5 57.4 79.3 97.7 99.7 100
Wales Urban 2138.1 94.2 99.6 100 100 100
Wales Overall 3169.6 82.2 93 99.3 99.9 100
UK overall Rural 12678.2 55 78.4 98.4 99.8 100
UK overall Urban 54403 96.6 99.8 100 100 100
UK overall Overall 67081.2 88.8 95.7 99.7 100 100

All free-to-use cash access points (excluding cashback) - 2021 Q4

Geographic area Rural / Urban Population, 000's Distance, km Distance 2km Distance 5km Distance 8km Distance 16km
East Midlands Rural 1297.2 56.3 80.2 99.1 100 100
East Midlands Urban 3568.4 94.5 99.6 100 100 100
East Midlands Overall 4865.6 84.3 94.4 99.8 100 100
East of England Rural 1814.7 55 79.9 99.4 100 100
East of England Urban 4454.5 93.7 99.5 100 100 100
East of England Overall 6269.2 82.5 93.8 99.8 100 100
London Rural 16.6 53.9 86.7 100 100 100
London Urban 8985.9 99.2 100 100 100 100
London Overall 9002.5 99.1 100 100 100 100
North East Rural 495.3 70.7 88.4 98.7 99.7 100
North East Urban 2185.5 96.4 99.8 100 100 100
North East Overall 2680.8 91.7 97.7 99.8 99.9 100
North West Rural 773.5 54.2 80.2 98.7 99.8 100
North West Urban 6594 95.7 99.8 100 100 100
North West Overall 7367.5 91.3 97.7 99.9 100 100
South East Rural 1892.1 53.8 81 99.7 100 100
South East Urban 7325.1 93.8 99.6 100 100 100
South East Overall 9217.3 85.6 95.8 99.9 100 100
South West Rural 1805.3 53.6 78.2 99.3 100 100
South West Urban 3853.8 94.6 99.6 100 100 100
South West Overall 5659.1 81.5 92.8 99.8 100 100
West Midlands Rural 910.3 49.9 74.7 98.9 100 100
West Midlands Urban 5051.6 96.3 99.8 100 100 100
West Midlands Overall 5961.9 89.2 96 99.8 100 100
Yorkshire and The Humber Rural 957.8 57.6 79.7 98.4 99.7 100
Yorkshire and The Humber Urban 4568.6 95.1 99.7 100 100 100
Yorkshire and The Humber Overall 5526.4 88.6 96.2 99.7 100 100
England overall Rural 9962.7 55.2 79.8 99.2 99.9 100
England overall Urban 46587.4 95.7 99.7 100 100 100
England overall Overall 56550.1 88.6 96.2 99.9 100 100
Northern Ireland Rural 709.3 29.8 57.6 96.6 99.8 100
Northern Ireland Urban 1186.2 90 98.9 100 100 100
Northern Ireland Overall 1895.5 67.5 83.4 98.7 99.9 100
Scotland Rural 974.8 51.1 66.1 91.7 98 99.8
Scotland Urban 4491.2 96.2 99.9 100 100 100
Scotland Overall 5466 88.2 93.9 98.5 99.6 100
Wales Rural 1031.5 55.7 78.4 97.6 99.6 100
Wales Urban 2138.1 92.1 99.4 100 100 100
Wales Overall 3169.6 80.2 92.6 99.2 99.9 100
UK overall Rural 12678.2 53.5 77.4 98.3 99.8 100
UK overall Urban 54403 95.5 99.7 100 100 100
UK overall Overall 67081.2 87.6 95.5 99.7 100 100

All cash access points (excluding cashback) - 2021 Q4

Geographic area Rural / Urban Population, 000's Distance, km Distance 2km Distance 5km Distance 8km Distance 16km
East Midlands Rural 1297.2 57.6 80.9 99.2 100 100
East Midlands Urban 3568.4 95.7 99.6 100 100 100
East Midlands Overall 4865.6 85.5 94.6 99.8 100 100
East of England Rural 1814.7 56.4 80.6 99.4 100 100
East of England Urban 4454.5 95 99.6 100 100 100
East of England Overall 6269.2 83.9 94.1 99.8 100 100
London Rural 16.6 58.7 89.3 100 100 100
London Urban 8985.9 99.6 100 100 100 100
London Overall 9002.5 99.5 100 100 100 100
North East Rural 495.3 72.7 88.7 98.7 99.7 100
North East Urban 2185.5 97.7 99.8 100 100 100
North East Overall 2680.8 93.1 97.8 99.8 99.9 100
North West Rural 773.5 56.2 81.1 98.8 99.8 100
North West Urban 6594 97.1 99.8 100 100 100
North West Overall 7367.5 92.8 97.8 99.9 100 100
South East Rural 1892.1 55.9 82.3 99.8 100 100
South East Urban 7325.1 95 99.7 100 100 100
South East Overall 9217.3 87 96.1 100 100 100
South West Rural 1805.3 55.2 79.6 99.4 100 100
South West Urban 3853.8 95.6 99.7 100 100 100
South West Overall 5659.1 82.7 93.3 99.8 100 100
West Midlands Rural 910.3 51.4 76.4 98.9 100 100
West Midlands Urban 5051.6 97.5 99.9 100 100 100
West Midlands Overall 5961.9 90.5 96.3 99.8 100 100
Yorkshire and The Humber Rural 957.8 58.7 80.5 98.4 99.7 100
Yorkshire and The Humber Urban 4568.6 96.5 99.8 100 100 100
Yorkshire and The Humber Overall 5526.4 89.9 96.4 99.7 100 100
England overall Rural 9962.7 56.8 80.9 99.2 99.9 100
England overall Urban 46587.4 96.8 99.8 100 100 100
England overall Overall 56550.1 89.8 96.5 99.9 100 100
Northern Ireland Rural 709.3 30.5 58.3 96.6 99.8 100
Northern Ireland Urban 1186.2 91.3 99 100 100 100
Northern Ireland Overall 1895.5 68.5 83.7 98.7 99.9 100
Scotland Rural 974.8 52.1 66.7 91.8 98 99.8
Scotland Urban 4491.2 97.4 99.9 100 100 100
Scotland Overall 5466 89.4 94 98.5 99.7 100
Wales Rural 1031.5 57.4 79.3 97.7 99.7 100
Wales Urban 2138.1 94.2 99.6 100 100 100
Wales Overall 3169.6 82.3 93 99.3 99.9 100
UK overall Rural 12678.2 55 78.4 98.4 99.8 100
UK overall Urban 54403 96.7 99.8 100 100 100
UK overall Overall 67081.2 88.8 95.7 99.7 100 100

Free-to-use ATMs - 2021 Q4

Geographic area Rural / Urban Population, 000's Distance, km Distance 2km Distance 5km Distance 8km Distance 16km
East Midlands Rural 1297.2 42.7 62.7 90.4 98.6 100
East Midlands Urban 3568.4 92.2 99.1 100 100 100
East Midlands Overall 4865.6 79 89.4 97.4 99.6 100
East of England Rural 1814.7 38 56.3 89.5 98.8 100
East of England Urban 4454.5 90.8 98.9 100 100 100
East of England Overall 6269.2 75.5 86.6 97 99.7 100
London Rural 16.6 52.4 85 100 100 100
London Urban 8985.9 98.6 100 100 100 100
London Overall 9002.5 98.5 99.9 100 100 100
North East Rural 495.3 56.5 75.5 92.7 97.2 99.8
North East Urban 2185.5 94.1 99.6 100 100 100
North East Overall 2680.8 87.2 95.2 98.6 99.5 100
North West Rural 773.5 40.6 62.8 91.9 97.4 100
North West Urban 6594 93.4 99.5 100 100 100
North West Overall 7367.5 87.8 95.7 99.1 99.7 100
South East Rural 1892.1 35.9 58.4 93.1 99.8 100
South East Urban 7325.1 90.8 99 100 100 100
South East Overall 9217.3 79.5 90.6 98.6 100 100
South West Rural 1805.3 35.3 52.4 86.8 97.6 100
South West Urban 3853.8 91.8 99.3 100 100 100
South West Overall 5659.1 73.8 84.3 95.8 99.2 100
West Midlands Rural 910.3 34.4 52.8 85.9 97.5 100
West Midlands Urban 5051.6 94.5 99.6 100 100 100
West Midlands Overall 5961.9 85.3 92.5 97.8 99.6 100
Yorkshire and The Humber Rural 957.8 42.7 61.5 87.2 97 100
Yorkshire and The Humber Urban 4568.6 92.6 99.4 100 100 100
Yorkshire and The Humber Overall 5526.4 84 92.9 97.8 99.5 100
England overall Rural 9962.7 39 58.5 89.6 98.3 100
England overall Urban 46587.4 93.6 99.4 100 100 100
England overall Overall 56550.1 84 92.2 98.2 99.7 100
Northern Ireland Rural 709.3 25.6 47.6 89.9 98.8 100
Northern Ireland Urban 1186.2 88.6 98.7 99.9 100 100
Northern Ireland Overall 1895.5 65 79.6 96.2 99.5 100
Scotland Rural 974.8 33.3 45.5 72.5 86.3 96.1
Scotland Urban 4491.2 94.9 99.8 100 100 100
Scotland Overall 5466 83.9 90.1 95.1 97.6 99.3
Wales Rural 1031.5 39.3 58 83.6 94.3 99.9
Wales Urban 2138.1 86.5 98.3 100 100 100
Wales Overall 3169.6 71.1 85.2 94.7 98.1 100
UK overall Rural 12678.2 37.8 56.8 87.8 97.1 99.7
UK overall Urban 54403 93.3 99.4 100 100 100
UK overall Overall 67081.2 82.8 91.3 97.7 99.4 99.9

All ATMs - 2021 Q4

Geographic area Rural / Urban Population, 000's Distance, km Distance 2km Distance 5km Distance 8km Distance 16km
East Midlands Rural 1297.2 46 66.1 92.2 99 100
East Midlands Urban 3568.4 94.6 99.4 100 100 100
East Midlands Overall 4865.6 81.6 90.6 97.9 99.7 100
East of England Rural 1814.7 42.4 61.3 92.6 99.4 100
East of England Urban 4454.5 93.5 99.3 100 100 100
East of England Overall 6269.2 78.7 88.3 97.9 99.8 100
London Rural 16.6 58 88.2 100 100 100
London Urban 8985.9 99.4 100 100 100 100
London Overall 9002.5 99.4 100 100 100 100
North East Rural 495.3 63.2 80.1 93.4 97.8 99.8
North East Urban 2185.5 97.4 99.8 100 100 100
North East Overall 2680.8 91.1 96.2 98.8 99.6 100
North West Rural 773.5 45.4 67.3 92.9 97.9 100
North West Urban 6594 96.3 99.7 100 100 100
North West Overall 7367.5 90.9 96.3 99.3 99.8 100
South East Rural 1892.1 41.9 64.6 95.7 99.9 100
South East Urban 7325.1 93.4 99.3 100 100 100
South East Overall 9217.3 82.8 92.2 99.1 100 100
South West Rural 1805.3 40.4 59.2 91.6 99 100
South West Urban 3853.8 93.9 99.5 100 100 100
South West Overall 5659.1 76.8 86.6 97.3 99.7 100
West Midlands Rural 910.3 39.1 57.9 88.7 98.1 100
West Midlands Urban 5051.6 96.8 99.8 100 100 100
West Midlands Overall 5961.9 88 93.4 98.3 99.7 100
Yorkshire and The Humber Rural 957.8 46.2 64.7 89.1 97.8 100
Yorkshire and The Humber Urban 4568.6 95.2 99.6 100 100 100
Yorkshire and The Humber Overall 5526.4 86.7 93.5 98.1 99.6 100
England overall Rural 9962.7 43.7 63.6 92.3 98.9 100
England overall Urban 46587.4 95.8 99.6 100 100 100
England overall Overall 56550.1 86.7 93.3 98.7 99.8 100
Northern Ireland Rural 709.3 26.8 49.9 91.5 99 100
Northern Ireland Urban 1186.2 90.7 98.8 99.9 100 100
Northern Ireland Overall 1895.5 66.8 80.5 96.8 99.6 100
Scotland Rural 974.8 38 50.3 76.6 88.9 97.3
Scotland Urban 4491.2 96.9 99.8 100 100 100
Scotland Overall 5466 86.4 91 95.8 98 99.5
Wales Rural 1031.5 45.9 64.6 88 96.2 99.9
Wales Urban 2138.1 92 99.3 100 100 100
Wales Overall 3169.6 77 88 96.1 98.8 100
UK overall Rural 12678.2 42.5 61.9 90.7 97.9 99.8
UK overall Urban 54403 95.7 99.6 100 100 100
UK overall Overall 67081.2 85.6 92.5 98.2 99.6 100

All free-to-use cash access points and cashback locations - 2021 Q4

Geographic area Rural / Urban Population, 000's Distance, km Distance 2km Distance 5km Distance 8km Distance 16km
East Midlands Rural 1297.2 80.6 96.5 100 100 100
East Midlands Urban 3568.4 99.2 100 100 100 100
East Midlands Overall 4865.6 94.2 99 100 100 100
East of England Rural 1814.7 82.6 97.5 100 100 100
East of England Urban 4454.5 99.5 100 100 100 100
East of England Overall 6269.2 94.6 99.3 100 100 100
London Rural 16.6 95.2 100 100 100 100
London Urban 8985.9 100 100 100 100 100
London Overall 9002.5 100 100 100 100 100
North East Rural 495.3 85.9 95.5 99.5 99.9 100
North East Urban 2185.5 99.6 100 100 100 100
North East Overall 2680.8 97.1 99.2 99.9 100 100
North West Rural 773.5 82.7 96.1 99.7 100 100
North West Urban 6594 99.7 100 100 100 100
North West Overall 7367.5 97.9 99.6 100 100 100
South East Rural 1892.1 86.6 98.8 100 100 100
South East Urban 7325.1 99.6 100 100 100 100
South East Overall 9217.3 96.9 99.7 100 100 100
South West Rural 1805.3 80.4 96.4 100 100 100
South West Urban 3853.8 99.5 100 100 100 100
South West Overall 5659.1 93.4 98.8 100 100 100
West Midlands Rural 910.3 78.7 96.3 100 100 100
West Midlands Urban 5051.6 99.8 100 100 100 100
West Midlands Overall 5961.9 96.6 99.4 100 100 100
Yorkshire and The Humber Rural 957.8 80 95.1 99.8 100 100
Yorkshire and The Humber Urban 4568.6 99.6 100 100 100 100
Yorkshire and The Humber Overall 5526.4 96.2 99.1 100 100 100
England overall Rural 9962.7 82.3 96.9 99.9 100 100
England overall Urban 46587.4 99.7 100 100 100 100
England overall Overall 56550.1 96.6 99.4 100 100 100
Northern Ireland Rural 709.3 56.4 86 99.4 100 100
Northern Ireland Urban 1186.2 97.9 99.9 100 100 100
Northern Ireland Overall 1895.5 82.4 94.7 99.8 100 100
Scotland Rural 974.8 65.6 82.3 97.1 99.3 100
Scotland Urban 4491.2 99.8 100 100 100 100
Scotland Overall 5466 93.7 96.8 99.5 99.9 100
Wales Rural 1031.5 74.4 91.6 99.4 99.9 100
Wales Urban 2138.1 98.5 99.9 100 100 100
Wales Overall 3169.6 90.7 97.2 99.8 100 100
UK overall Rural 12678.2 78.9 94.7 99.6 99.9 100
UK overall Urban 54403 99.6 100 100 100 100
UK overall Overall 67081.2 95.7 99 99.9 100 100

All cash access points and cashback locations - 2021 Q4

Geographic area Rural / Urban Population, 000's Distance, km Distance 2km Distance 5km Distance 8km Distance 16km
East Midlands Rural 1297.2 80.6 96.5 100 100 100
East Midlands Urban 3568.4 99.2 100 100 100 100
East Midlands Overall 4865.6 94.3 99 100 100 100
East of England Rural 1814.7 82.6 97.5 100 100 100
East of England Urban 4454.5 99.5 100 100 100 100
East of England Overall 6269.2 94.6 99.3 100 100 100
London Rural 16.6 95.2 100 100 100 100
London Urban 8985.9 100 100 100 100 100
London Overall 9002.5 100 100 100 100 100
North East Rural 495.3 85.9 95.5 99.5 99.9 100
North East Urban 2185.5 99.6 100 100 100 100
North East Overall 2680.8 97.1 99.2 99.9 100 100
North West Rural 773.5 82.7 96.1 99.7 100 100
North West Urban 6594 99.7 100 100 100 100
North West Overall 7367.5 97.9 99.6 100 100 100
South East Rural 1892.1 86.7 98.8 100 100 100
South East Urban 7325.1 99.6 100 100 100 100
South East Overall 9217.3 96.9 99.7 100 100 100
South West Rural 1805.3 80.4 96.4 100 100 100
South West Urban 3853.8 99.5 100 100 100 100
South West Overall 5659.1 93.4 98.8 100 100 100
West Midlands Rural 910.3 78.7 96.3 100 100 100
West Midlands Urban 5051.6 99.8 100 100 100 100
West Midlands Overall 5961.9 96.6 99.4 100 100 100
Yorkshire and The Humber Rural 957.8 80 95.1 99.8 100 100
Yorkshire and The Humber Urban 4568.6 99.6 100 100 100 100
Yorkshire and The Humber Overall 5526.4 96.2 99.1 100 100 100
England overall Rural 9962.7 82.3 96.9 99.9 100 100
England overall Urban 46587.4 99.7 100 100 100 100
England overall Overall 56550.1 96.6 99.4 100 100 100
Northern Ireland Rural 709.3 56.5 86 99.4 100 100
Northern Ireland Urban 1186.2 97.9 99.9 100 100 100
Northern Ireland Overall 1895.5 82.4 94.7 99.8 100 100
Scotland Rural 974.8 65.6 82.3 97.1 99.3 100
Scotland Urban 4491.2 99.8 100 100 100 100
Scotland Overall 5466 93.7 96.8 99.5 99.9 100
Wales Rural 1031.5 74.4 91.6 99.4 99.9 100
Wales Urban 2138.1 98.6 99.9 100 100 100
Wales Overall 3169.6 90.7 97.2 99.8 100 100
UK overall Rural 12678.2 78.9 94.7 99.6 99.9 100
UK overall Urban 54403 99.6 100 100 100 100
UK overall Overall 67081.2 95.7 99 99.9 100 100

All ATMs and cashback locations - 2021 Q4

Geographic area Rural / Urban Population, 000's Distance, km Distance 2km Distance 5km Distance 8km Distance 16km
East Midlands Rural 1297.2 80.2 96.2 100 100 100
East Midlands Urban 3568.4 99.2 100 100 100 100
East Midlands Overall 4865.6 94.1 99 100 100 100
East of England Rural 1814.7 82.2 97.3 100 100 100
East of England Urban 4454.5 99.5 100 100 100 100
East of England Overall 6269.2 94.5 99.2 100 100 100
London Rural 16.6 95.2 100 100 100 100
London Urban 8985.9 100 100 100 100 100
London Overall 9002.5 100 100 100 100 100
North East Rural 495.3 85.3 95.3 99.4 99.9 100
North East Urban 2185.5 99.6 100 100 100 100
North East Overall 2680.8 97 99.1 99.9 100 100
North West Rural 773.5 82.2 95.8 99.7 100 100
North West Urban 6594 99.7 100 100 100 100
North West Overall 7367.5 97.9 99.5 100 100 100
South East Rural 1892.1 86.4 98.7 100 100 100
South East Urban 7325.1 99.6 100 100 100 100
South East Overall 9217.3 96.9 99.7 100 100 100
South West Rural 1805.3 80 96.2 100 100 100
South West Urban 3853.8 99.5 100 100 100 100
South West Overall 5659.1 93.3 98.8 100 100 100
West Midlands Rural 910.3 78 96.1 100 100 100
West Midlands Urban 5051.6 99.8 100 100 100 100
West Midlands Overall 5961.9 96.5 99.4 100 100 100
Yorkshire and The Humber Rural 957.8 79.6 94.8 99.8 100 100
Yorkshire and The Humber Urban 4568.6 99.5 100 100 100 100
Yorkshire and The Humber Overall 5526.4 96.1 99.1 100 100 100
England overall Rural 9962.7 81.9 96.7 99.9 100 100
England overall Urban 46587.4 99.6 100 100 100 100
England overall Overall 56550.1 96.5 99.4 100 100 100
Northern Ireland Rural 709.3 56.1 85.5 99.3 100 100
Northern Ireland Urban 1186.2 97.9 99.9 100 100 100
Northern Ireland Overall 1895.5 82.3 94.5 99.7 100 100
Scotland Rural 974.8 64.3 81.2 96.8 99.2 99.9
Scotland Urban 4491.2 99.8 100 100 100 100
Scotland Overall 5466 93.4 96.6 99.4 99.9 100
Wales Rural 1031.5 73.5 90.7 99.3 99.9 100
Wales Urban 2138.1 98.5 99.9 100 100 100
Wales Overall 3169.6 90.4 96.9 99.8 100 100
UK overall Rural 12678.2 78.4 94.4 99.6 99.9 100
UK overall Urban 54403 99.6 100 100 100 100
UK overall Overall 67081.2 95.6 98.9 99.9 100 100

Post Office branches excluding outreach and mobile - 2021 Q4

Geographic area Rural / Urban Population, 000's Distance, km Distance 2km Distance 5km Distance 8km Distance 16km
East Midlands Rural 1297.2 42.8 66.6 94.5 99.5 100
East Midlands Urban 3568.4 78.9 98.4 100 100 100
East Midlands Overall 4865.6 69.3 89.9 98.5 99.9 100
East of England Rural 1814.7 42 66.2 97 99.9 100
East of England Urban 4454.5 78.6 98.3 100 100 100
East of England Overall 6269.2 68 89 99.1 100 100
London Rural 16.6 44.7 79.2 100 100 100
London Urban 8985.9 92.5 99.9 100 100 100
London Overall 9002.5 92.4 99.9 100 100 100
North East Rural 495.3 54 75.9 94.7 98.5 100
North East Urban 2185.5 81.3 99.3 100 100 100
North East Overall 2680.8 76.2 95 99 99.7 100
North West Rural 773.5 40.6 65.2 95.1 99.3 100
North West Urban 6594 82.7 98.8 100 100 100
North West Overall 7367.5 78.3 95.3 99.5 99.9 100
South East Rural 1892.1 40.5 67.7 98.5 100 100
South East Urban 7325.1 76.2 97.7 100 100 100
South East Overall 9217.3 68.8 91.5 99.7 100 100
South West Rural 1805.3 39.4 62.9 95.6 99.8 100
South West Urban 3853.8 78.1 97.8 100 100 100
South West Overall 5659.1 65.8 86.7 98.6 99.9 100
West Midlands Rural 910.3 35.3 59.2 95 99.9 100
West Midlands Urban 5051.6 84.2 99.2 100 100 100
West Midlands Overall 5961.9 76.7 93.1 99.2 100 100
Yorkshire and The Humber Rural 957.8 44.8 66.8 93.8 98.8 100
Yorkshire and The Humber Urban 4568.6 81 98.3 100 100 100
Yorkshire and The Humber Overall 5526.4 74.7 92.9 98.9 99.8 100
England overall Rural 9962.7 41.5 65.8 95.9 99.6 100
England overall Urban 46587.4 82.4 98.7 100 100 100
England overall Overall 56550.1 75.2 92.9 99.3 99.9 100
Northern Ireland Rural 709.3 24.3 48.8 92.6 99.5 100
Northern Ireland Urban 1186.2 76.5 96.9 100 100 100
Northern Ireland Overall 1895.5 57 78.9 97.2 99.8 100
Scotland Rural 974.8 33.2 45.3 77.5 93.1 99.2
Scotland Urban 4491.2 76.6 96.3 99.7 99.8 100
Scotland Overall 5466 68.9 87.2 95.7 98.7 99.9
Wales Rural 1031.5 43.5 66.1 93 98.7 100
Wales Urban 2138.1 78.7 97.6 100 100 100
Wales Overall 3169.6 67.3 87.4 97.7 99.6 100
UK overall Rural 12678.2 40.1 63.3 94.1 99 99.9
UK overall Urban 54403 81.7 98.4 100 100 100
UK overall Overall 67081.2 73.8 91.8 98.9 99.8 100

All Post Office branches - 2021 Q4

Geographic area Rural / Urban Population, 000's Distance, km Distance 2km Distance 5km Distance 8km Distance 16km
East Midlands Rural 1297.2 48.4 74.8 99 100 100
East Midlands Urban 3568.4 79.1 98.5 100 100 100
East Midlands Overall 4865.6 70.9 92.2 99.7 100 100
East of England Rural 1814.7 47.6 75 99.1 100 100
East of England Urban 4454.5 78.7 98.3 100 100 100
East of England Overall 6269.2 69.7 91.6 99.7 100 100
London Rural 16.6 44.7 79.2 100 100 100
London Urban 8985.9 92.5 99.9 100 100 100
London Overall 9002.5 92.4 99.9 100 100 100
North East Rural 495.3 63.9 86.1 98.6 99.7 100
North East Urban 2185.5 82.4 99.4 100 100 100
North East Overall 2680.8 79 97 99.7 99.9 100
North West Rural 773.5 47.1 75.5 98.5 99.8 100
North West Urban 6594 83.1 99.1 100 100 100
North West Overall 7367.5 79.4 96.6 99.8 100 100
South East Rural 1892.1 45.7 75.1 99.6 100 100
South East Urban 7325.1 76.8 98.1 100 100 100
South East Overall 9217.3 70.4 93.3 99.9 100 100
South West Rural 1805.3 45.4 73 98.9 100 100
South West Urban 3853.8 79 98.2 100 100 100
South West Overall 5659.1 68.3 90.2 99.7 100 100
West Midlands Rural 910.3 42.2 69.3 98.4 100 100
West Midlands Urban 5051.6 84.4 99.3 100 100 100
West Midlands Overall 5961.9 77.9 94.7 99.8 100 100
Yorkshire and The Humber Rural 957.8 50.8 75.3 97.9 99.7 100
Yorkshire and The Humber Urban 4568.6 81.8 98.7 100 100 100
Yorkshire and The Humber Overall 5526.4 76.4 94.6 99.6 99.9 100
England overall Rural 9962.7 47.5 74.7 98.9 99.9 100
England overall Urban 46587.4 82.8 98.9 100 100 100
England overall Overall 56550.1 76.6 94.6 99.8 100 100
Northern Ireland Rural 709.3 25.7 52.2 95 99.8 100
Northern Ireland Urban 1186.2 76.6 96.9 100 100 100
Northern Ireland Overall 1895.5 57.5 80.2 98.1 99.9 100
Scotland Rural 974.8 45 59.9 89.7 97.4 99.8
Scotland Urban 4491.2 78.3 97.5 99.9 100 100
Scotland Overall 5466 72.4 90.8 98.1 99.5 100
Wales Rural 1031.5 50.1 75.8 97.5 99.6 100
Wales Urban 2138.1 82 98.3 100 100 100
Wales Overall 3169.6 71.6 91 99.2 99.9 100
UK overall Rural 12678.2 46.3 72.4 97.9 99.7 100
UK overall Urban 54403 82.3 98.7 100 100 100
UK overall Overall 67081.2 75.5 93.7 99.6 99.9 100

Download Table 3 data (xlsx)

Figure 1 shows the coverage areas underlying the population estimates in Table 3. As in Table 3, the cash access points considered are those in groups 1-14. In each case the areas shown are those without access to a source of cash within 1, 2, 5, 8, or 16 km. The areas shown in white have a cash access point within 1 km or nearer. The interactive tooltips show percentages of the Local Authority District population that have access to a source of cash within the above range of distances.

Download underlying data for Figure 1 maps (XLSX)

Figure 1: Access to cash coverage in the UK in 2021 Q4

 

View the maps in Tableau Public

3. Other insights

3.1. Temporary closures

About 34% of type A (larger PCA providers) and 15% of type B (other) bank and building society branches were temporarily closed for at least 1 day during 2021 Q4 due to coronavirus (Covid-19) and other reasons. Of branches which had temporary closures of at least 1 day, a typical (median) branch of type A or B was closed for 2 and 1 days respectively, with the average number of temporary closure days across type A and B branches being 5 and 3 days respectively.

Temporary closures of mobile branches (type D) have been less common than for physical branches. Since 2021 Q3 there has been a decrease in the level of temporary closures, but increase in the length. During 2021 Q4 about 56% of mobile branches were temporarily closed. The average and median number of temporary closure days were 3 and 2 respectively for those branches that have been closed for 1 day or more.

We do not have equivalent information for Post Office branches.

3.2. Opening hours

While external and stand-alone ATMs are always accessible, in-branch cash withdrawals and deposits and other banking services are only available during branch opening hours.

At the end of 2021 Q4, 91.5% of type A and 57.4% of type B bank and building society branches were operating on reduced hours compared to the normal opening hours (in February 2020) before the first lockdown.

Figure 2 shows the percentages of branches open at a given time between 7am and 7pm, Monday to Saturday (see note 10), by branch types defined in Table 1. This illustrates a substantial increase in opening hours since 2021 Q1. For example, around 97% (30% in Q1) of type A (larger PCA providers) branches remain open after 2pm Monday to Friday, and over 82% (9% in Q1) after 3pm. On average, type A and B branches are open 35 hours per week. There were no changes in average opening hours of Post Office branches from 2021 Q3 to 2021 Q4.

Figure 2 Percentages of branches open at a given time by branch type

Graph: Percentages of branches open at a given time by branch type - Access to cash data 2021 Q3

Download PDF version of infographic (PDF)

3.3. Accessibility

For some consumers, being able to use branch services depends on accessibility features.

Table 4 shows percentages of branches which are wheelchair accessible, have step-free access and/or have a hearing/induction loop available for the 3 types of bank and building society branches (see note 9) as well as Post Office branches. The step-free access characteristic is not applicable to mobile branches (see note 10).

Of the brick-and-mortar bank and building society branches, 63.2% of type A (larger PCA providers) and 51.3% of type B (other) branches have all 3 characteristics. Excluding the branches for which some values are unreported, these percentages become 88.3% and 70.1% respectively. 86.8% of Post Office (excluding mobile and outreach) branches have both wheelchair and a hearing/induction loop. This increases to 100% if we exclude branches for which some values are unreported. We do not have information on step-free accessibility for Post Office branches.

Table 4: Percentages of branches with common accessibility characteristics by branch type

Access point type Sample Accessibility characteristic
Wheelchair accessible Has step-free access Has hearing/ induction loop available
Yes No Unreported Yes No Unreported Yes No Unreported
A: Larger banks and building societies providing PCA (brick-and-mortar branches) All data 94.4 5.6 – 68.6 3.0 28.4 97.3 2.7 –
Excluding unreported 94.4 5.6 x 95.8 4.2 x 94.4 5.6 x
B: All other banks and building societies (brick-and-mortar branches)  All data 77.0 5.0 18.0 63.8 10.8 25.4 66.2 15.9 17.9
Excluding unreported 93.9 6.1 x 85.5 14.5 x 80.6 19.4 x
C: Post Office branches excluding mobile/ outreach  All data 88.9 – 11.1 – – 100.0 88.4 – 11.6
Excluding unreported 100.0 – x x x x 100.0 – x
D: Mobile bank branches  All data 10.6 68.0 21.5 – 78.5 21.5 78.5 – 21.5
Excluding unreported 13.4 86.6 x – 100.0 x 100.0 – x
E: Mobile/ outreach Post Office branches All data 21.7 – 78.3 – – 100.0 21.8 – 78.2
Excluding unreported 100.0 – x x x x 100.0 – x

Download Table 4 data (xlsx)

4. Attributions

In addition to the data collected from banks, building societies, and the Post Office, the analysis uses other open data and data licensed under the Public Sector Geospatial Agreement.

  • ATM data © LINK Scheme Ltd, LINK Network Members, and licensors copyright and database right 2022.
  • Contains OS data © Crown copyright and database right 2022.
  • Contains NRS data © Crown copyright and database right 2022.
  • Contains National Statistics data © Crown copyright and database rights 2022.
  • Contains Royal Mail data © Royal Mail copyright and database right 2022.
  • Office for National Statistics licensed under the Open Government Licence v.3.0.
  • Contains public sector information licensed under the Open Government Licence v3.0.
  • This product contains data created and maintained by Scottish Local Government.